LAS VEGAS (KLAS) — A military veteran fed up with his homeowners' insurance company's stagnant response to a 2023 pipe burst that left his house in shambles said the experience has left him in poor physical health, emotionally numb, and financially tapped.

Daxton Lyon had a hot water pipe burst in his Las Vegas area home two Novembers ago, and his public insurance adjuster said USAA has employed a tactic they call "Delay, Deny, Defend."

That strategy, apparently gaining popularity with large carriers, generally draws out the appraisal process as close to the statute of limitations on a lawsuit as possible, at which point they would hope to either deny a claim or force the homeowner to sue them.

In the many months since water invaded Lyon's home, he has seen repeated delays from USAA, wh

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